Royal Bank of Scotland Reviews 10

Huge thanks to RBS for the most thrilling 10-day application process. I applied for a business bank account, handed over every piece of ID short of a DNA sample, sat through verification, answered all their questions like a good little applicant, and waited. And waited. Ten whole days of anticipation. Would I get approved?

Then came the punchline: "business trading location Should be within Scotland" they can't approve me because I'm based on Wales. That well-known offshore tax haven nestled dangerously between England and the Irish Sea. Apparently this was information they could have checked at, oh I don't know, step one? When I literally typed in my address? But no. Why reject someone in 30 seconds when you can waste 10 days making them wait, after collecting every personal detail

So to summarise: RBS will happily collect your personal details, run you through full identity verification, and let you believe everything is on track, all before casually mentioning that your entire country was never eligible in the first place. Truly world-class customer journey design. If you're in Wales and thinking about RBS, save yourself some time folks. They'll figure out where you live eventually. Just not quickly.

We are a community council, unfortunately classed as a business, but there are very few banks who cater for our organisations. We’ve banked with this lot since I can remember, and it baffles me how they survive, probably because they are supported by us the taxpayers. I’ve been trying since November last year to add a new signatory to our account.- pretty straightforward you would think. As has been related on this and the personal banking reviews, they are an absolute joke. If you manage to make contact with a human, via irritating Cora, WhatsApp, text , email or phone, each ‘team’ has no idea on a customer’s history or recent events leading to us chasing them up! Have completed 3 mandates with full details, but always problematic. Awarded compensation on my first recent complaint. Also had compensation a few years ago for identical issue. This lot really are something else.
Latest texts today, nice chap eventually responded- 2 hours later. See what tomorrow brings.

this shower of morons accused me of money laundering my pensions care allowance and a huge amount of money paid to me by the uk and scotish government thhave seized my funds and since my phones are disabled i cannot call them to explain the source of my funds

I closed my account on the 29th December, 2025 and still have not received my money and it is now the 7th March, 2026 (68 days). I have phoned 6 times to check why my funds have not reached me and have made 2 complaints and all I tend to be told is I will receive the money in 5 working days. Each person I spoke to told me they would ring me back in a couple of days to update me on how things were progressing and I never did get a call back. This bank is an absolute disgrace and their practices should be looked into. I can't refer the matter to the ombudsman as they have replied to my complaint which makes it more frustrating. I would advise people to steer clear of this bank as they are useless.

Shocking on boarding experience - it’s 2 weeks and still no account

We had tide banking and they do not accept cheques over £500

Suffice to say payments are late 2 weeks still no account - trusted these guys and they trashed my credit report by not setting up a bank in a timely manner.

Stay away

(Another update !!!! It’s 8/3 and no bank account …. Omg ))))))

And latest update before we open your account ? You mentioned a check you want to deposit where is if from ? None of your business - ok there’s no check - open the account ! Omg

And next major question holding up my credit report ? How many employees at the end of the application? This was included in the application.

Off to bank of Scotland - I’ll update how long that takes after applying tomorrow -

Sorry guys another hilarious update 09/03/26

We were promised to have the account open by RBS they are now asking how I run and employ my business ? To open account !? Omg

Response below cringeworthy

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Subject: Formal Complaint – Business Account Onboarding Process

I am writing to express my deep frustration and disappointment with the onboarding process for opening a business account with your bank.

After several weeks of what should have been a straightforward account setup, the latest request from your team is to understand how I operate a business turning over approximately £200,000 with no staff.

This question is somewhat baffling. The business in question operates primarily as an Airbnb and property-based operation, which by its nature can be run efficiently by a single owner without the need for permanent staff. This is a very common structure for many modern hospitality and property businesses.

What is particularly concerning is that the bank appears to be requesting information about the internal operational structure of my business, which seems entirely unrelated to the basic purpose of opening a business bank account. It raises the question of whether the bank is now also looking to advise on how businesses should be run, which surely falls outside the scope of normal banking due diligence.

I fully appreciate the need for regulatory compliance and anti-money laundering procedures. However, the scale and nature of the questioning has become disproportionate and unnecessarily intrusive, particularly given the relatively modest size and straightforward nature of the business.

For context, I am currently in Spain where I was able to open a business bank account within three hours. The contrast with the current UK process is striking and unfortunately reflects very poorly on what should be a modern and efficient banking system.

At this stage I would simply ask that the account be activated without further delay so normal business operations can proceed.

I look forward to your response and a swift resolution.

Yours faithfully,

Michael James

My deceased wife and I had a an RBS account for many years. During the past months some incidents occurred regarding the account and I cooperated fully with the bank to sort out the problems.
During the problems I had very limited access to the accounts and submitted a complaint. This complaint is still outstanding with repeated extensions having been placed on the complaint and no idea of when I am likely to hear from them.
In late September I suddenly received a letter from the bank notifying me of ending their banking relationship with me on 26.12.25 (a bank holiday).
I also submitted a FOI and Data Protection request - No reply!
I have opened a new account with another provider and had £168.00 remaining in the account which I tried to transfer today but no access. I rang the bank and informed them and asked for the money to be transferred to my new account, but apparently a transaction that would have taken minutes now takes three days.

Royal bank of Scotland have continuously made erroneous decisions and putting me into overdraft by not following their duty to get back misappropriated funds. Twice now and I should not be in overdraft but for this.

Very ignorant. I changed my device and could no longer log in. I reached out and waited ages but no one was willing to help. So I have removed my money from them and told them to shut my account.

My mobile banking app on my iPhone will not work it’s a disabled message. Their help section is a pathetic joke, going round in circles and doing nothing. That’s two hours of my life wasted with no result.